are internet loans a safe thing to do? or is it a scam? any feed back would be helpful.

Like anything else you need to be careful. Anytime you give out information over the internet you run the risk of other people seeing your information. I suggest doing back ground checks and research on any company your going to do business with. If something is too good to be true it usually is.

Internet payday loans require a checking account.
Because you have to write them a check that they can cash at the end of the loan period.

Moreover, these companies are notoriously hard to deal with when you get behind in your payments. It does not hurt to contact them and see if you can work out other payment arrangements but in general, they don't budge.

If you have anything you can sell to come up with the full amount due, do that now, no matter how much it hurts. Every month you wait costs you $1200. You can live without your TV for a few months if it comes to that but if you let that hole get deeper and deeper, you might end up with a bankruptcy.

Do not, not, not, NOT get a title loan if you own your car. You'd be just moving the trouble from one company to another. Car title loan companies are also horrible to work with if you get behind and the interest and fees on these loans (like the payday loans) is highway robbery.